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Administrator Mills made the loans available in response to a letter from Gov. Martin O'Malley, dated Dec. 21, requesting a disaster declaration by the SBA. The declaration covers Worcester County and the adjacent counties of Somerset and Wicomico in Maryland; Sussex County in Delaware and Accomack County in Virginia.

"The SBA is strongly committed to providing the people of Maryland with the most effective and customer-focused response possible to assist homeowners, renters, and businesses of all sizes with federal disaster loans," said Administrator Mills. "Getting businesses and communities up and running after a disaster is our highest priority at SBA."

"Loans up to $200,000 are available to homeowners to repair or replace damaged or destroyed real estate. Homeowners and renters are eligible for loans up to $40,000 to repair or replace damaged or destroyed personal property," said Frank Skaggs, director of SBA's Field Operations Center East in Atlanta. SBA's customer service representatives are on hand at the Disaster Loan Outreach Center to issue applications and assist survivors with completing their applications," Skaggs added.

The center is located in the following community and is open as indicated:

"Businesses and non-profit organizations of any size may borrow up to $2 million to repair or replace damaged or destroyed real estate, machinery and equipment, inventory, and other business assets," said Steve Umberger, SBA's Maryland district director.

The SBA may increase a loan up to 20 percent of the total amount of disaster damage to real estate and/or leasehold improvements, as verified by SBA, to make improvements that lessen the risk of property damage by future disasters of the same kind.

For small businesses, small agricultural cooperatives, small aquaculture businesses and most private non-profit organizations of all sizes, the SBA offers Economic Injury Disaster Loans (EIDLs) to help meet working capital needs caused by the disaster. EIDL assistance is available regardless of whether the business suffered any physical property damage.

Interest rates are as low as 1.688 percent for homeowners and renters, 3 percent for non-profit organizations and 4 percent for businesses with terms up to 30 years. Loan amounts and terms are set by the SBA and are based on each applicant's financial condition.

Individuals and businesses unable to visit the Center may also obtain information and loan applications by calling the SBA's Customer Service Center at 1-800-659-2955 (1-800-877-8339 for the deaf and hard-of-hearing), or by sending an email to disastercustomerservice@sba.gov. Loan applications can also be downloaded from the SBA's website at www.sba.gov. Completed applications should be returned to the Center or mailed to: U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.

The filing deadline to return applications for physical property damage is March 4, 2013. The deadline to return economic injury applications is October 2, 2013.

For more information about the SBA's Disaster Loan Program, visit our website at www.sba.gov.

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